Medicare Advantage
A Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you're enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren't paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.
Medicare Supplement
Medicare supplement insurance can help pay some of the health care costs that Original Medicare doesn't cover, like co-payments, co-insurance, and deductibles. Some policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medicare supplement policy, Medicare will pay its share of the Medicare approved amount for covered health care costs. Then your Medicare supplement policy pays its share.
Life Insurance
Life insurance is an important foundation of financial security for you and your family. It protects your resources against the uncertainties of life, enabling you to plan for the long-term financial health of your family.
Long Term Care
Long-term care (LTC) insurance is important coverage that provides valuable support and financial resources that help cover the cost of long-term care you might need in the event of an illness, accident, or through the normal effects of aging. By helping to protect your assets, and giving you choice and control over where you receive care—including in your home—LTC insurance helps you and your family face the future with confidence.
Final Expense
Most of us don't like to contemplate the need to prepare for our funeral and burial, but covering these services is an important part of personal estate planning. Final expense insurance gives your loved ones the resources they need to acknowledge your role in their lives. Along with writing a will and preparing an advance directive, you must decide how your final expenses will be paid for. Final expense insurance offers an affordable way to provide for these costs, so that family and friends can celebrate your life without financial obligations.